645 High St, Victor, NY 14564 Property Records

Ontario County and Victor Town property record for 645 High St, Victor, NY 14564

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,136 sqft · built 1920
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jul 2021)
Tax Bill	$7,525 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2017 Mortgage + 1 more
APN	`324889 6.04-2-36.000`

Property Details

APN / Parcel Number

Primary APN	`324889 6.04-2-36.000`
Alternative APN	`48890060040002036000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,136 sqft Living Area
1st Floor Area	1,352 sqft
2nd Floor Area	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	1,128 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 HIGH ST
City	VICTOR
State	NY
Zip	14564-1161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-C
Legal Description	930/760 TRUST DATED MAY 17,1996 1.3 ACRES
Legal Block	2
Legal Lot Number	36.000
Jurisdiction	ONTARIO NY
Township / Civil Division	VICTOR
Census Block Group	2
Census Block	2007
Census Tract	50104

Owner

645 High St is owned and occupied by two individuals who bought it in July 2021.

Source: Ontario County and Victor Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 HIGH ST, VICTOR, NY 14564-1161
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ESL FCU
Dec 6, 2017	Deed of Trust, Mortgage CITIZENS BANK
Jul 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Deed Document Number	2021307
Deed Book / Page	1477 / 62
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Jul 20, 2021
Property Address	645 HIGH ST, VICTOR, NY 14564-1161
Document Number	1477/62
Book / Page	1477 / 62
Instrument Date	Jul 16, 2021
Instrument	202107200307
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202107200308
Date	Jul 20, 2021
Instrument	202107200308

Lender

Name	ESL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	645 HIGH ST, VICTOR, NY 14564-1161
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002800/0000000235
Date	Dec 6, 2017
Book Page	0000002800/0000000235

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Jul 11, 2018
Property Address	645 HIGH ST, VICTOR, NY 14564-1161
Document Number	001410/358
Book / Page	1410 / 358
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 HIGH ST, VICTOR, NY 14564-1161

Tax Assessment & Valuation

The 2026 property tax bill for 645 High St was $7,525, up 40.5% from the year before.

Source: Ontario County and Victor Town assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Victor Town
Unified School District	Victor Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,525.00 (+40.55%)
2025	$5,354.00	$235,000 Land $50,000 Building $185,000	$350,700 Land $74,617 Building $276,083
2023		$235,000 Land $50,000 Building $185,000	$297,500 Land $63,298 Building $234,202

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 645 High St; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 645 High St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MCWA - GENEVA serves 8,532 people · EPA ID NY3404515
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	4 ppb (2025) action level 15 ppb
Copper	13 mg/L (2019–2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Empire Long Distance.

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